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Licensing & Policies

Licensing

Metro Mortgage Group is fully licensed in compliance with all state and federal laws.

Company NMLS License #1517883

Colorado – Licensed by DORA

Individual License Information

Dorelle Peters – owner/loan officer

NMLS #890734

Colorado License #100039200


Policies

Terms and Conditions – Mortgage Brokerage Services

1. Introduction

These Terms and Conditions (“Terms”) govern the relationship between Metro Mortgage Group LLC (“the Broker,” “we,” “our,” or “us”) and any individual or entity (“the Client,” “you,” or “your”) who engages our services to arrange mortgage or loan products. By using our services, you agree to be bound by these Terms.

2. Scope of Services

  • We act as an independent mortgage broker, introducing you to lenders and mortgage products that may suit your needs.
  • We do not provide legal, tax, or accounting advice. You are advised to seek independent professional advice before entering into any mortgage or loan agreement.
  • The Broker does not guarantee loan approval or funding, as final decisions rest solely with the lender.

3. Client Obligations

You agree to:

  • Provide accurate, complete, and up-to-date personal, financial, and employment information when requested.
  • Authorize us to share your information with potential lenders, credit bureaus, and relevant third parties as necessary.
  • Inform us promptly of any changes to your circumstances that may affect your application.

4. Fees and Commissions

  • We may receive commissions from lenders for introducing your application. These commissions will not usually affect the cost of your loan.
  • In certain cases, fees may be payable by you directly to us. If applicable, these will be clearly disclosed to you in writing before any costs are incurred.
  • You acknowledge that commission or fee structures may vary depending on the lender and loan product.

5. Confidentiality and Data Protection

  • We take reasonable steps to protect your personal information in accordance with applicable data protection laws.
  • Your information will only be shared with parties necessary to facilitate your mortgage application, unless otherwise required by law.

6. Limitation of Liability

  • We act as an intermediary and are not responsible for the terms, interest rates, fees, or conditions imposed by any lender.
  • We shall not be liable for any financial loss, damages, or claims resulting from your acceptance or rejection of a mortgage product.
  • Nothing in these Terms excludes liability where prohibited by law.

7. Termination of Agreement

  • Either party may terminate this agreement at any time by providing written notice.
  • Termination does not affect obligations already incurred, including payment of any disclosed fees.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [insert jurisdiction], and any disputes will be subject to the exclusive jurisdiction of the courts of that jurisdiction.

9. Amendments

We reserve the right to amend these Terms from time to time. Any updated version will be provided to you or made available on our website.

10. Acknowledgement

By engaging our services, you confirm that you:

  • Have read and understood these Terms.
  • Agree to be bound by them.
  • Understand that the Broker’s role is limited to arranging and introducing mortgage products and does not extend to financial or legal advice.

Security and Privacy Policy

1. Introduction

Metro Mortgage Group LLC (“we,” “our,” or “us”) is committed to safeguarding the privacy, confidentiality, and security of the personal information entrusted to us by our clients. As a licensed mortgage broker, we collect and process sensitive personal, financial, and credit-related information. This Security and Privacy Policy explains how we protect that information in compliance with applicable laws and industry standards.

2. Information We Collect

We may collect the following categories of information to provide mortgage brokerage services:

  • Personal Identifiers: Name, address, phone number, email address, date of birth, Social Security Number (SSN), driver’s license, or other government-issued IDs.
  • Financial Information: Income, assets, debts, bank account details, tax returns, credit history, and credit scores.
  • Employment Information: Current and past employment details, pay stubs, and verification of income.
  • Property Information: Details about real estate transactions, appraisals, and property ownership records.
  • Communications: Records of communications (emails, phone calls, messages) with our team.

3. How We Use Your Information

We use personal information only for lawful purposes, including:

  • Assisting clients in obtaining mortgage financing.
  • Verifying identity, employment, and financial status.
  • Submitting loan applications to lenders.
  • Complying with legal, regulatory, and reporting requirements.
  • Communicating updates and maintaining client records.

We do not sell or rent personal information to third parties.

4. Information Sharing and Disclosure

We may share personal information only under the following circumstances:

  • With Lenders and Financial Institutions: To process mortgage applications and secure financing.
  • With Service Providers: Appraisers, credit agencies, title companies, and closing attorneys who require access to facilitate transactions.
  • As Required by Law: To comply with subpoenas, regulatory inquiries, audits, or other legal obligations.
  • With Consent: When you provide explicit authorization.

All third parties are required to maintain strict confidentiality and implement appropriate safeguards.

5. Data Security Measures

We employ administrative, technical, and physical safeguards to protect personal information from unauthorized access, misuse, alteration, or disclosure. These measures include:

  • Encryption: Use of encryption for electronic records and data transmission.
  • Access Controls: Role-based access with authentication procedures (e.g., multi-factor authentication).
  • Physical Security: Secure offices, locked file storage, restricted access areas.
  • Monitoring & Logging: Regular monitoring of systems for unusual or unauthorized activity.
  • Vendor Management: Verification of third-party security practices before engagement.
  • Incident Response: Documented procedures for detecting, reporting, and mitigating security incidents or breaches.

6. Data Retention and Disposal

We retain personal information only as long as necessary to fulfill legal, regulatory, and contractual obligations. When information is no longer required, we securely dispose of it through shredding, digital wiping, or other approved destruction methods.

7. Client Rights

Depending on applicable laws, clients may have the right to:

  • Access and obtain a copy of their personal data.
  • Request corrections to inaccurate or incomplete information.
  • Request deletion of personal data, subject to legal retention requirements.
  • Opt-out of certain information sharing or marketing communications.

Requests can be submitted to admin@metromortgagegroup.com

8. Cookies and Online Tracking

If our website is used for information collection, we may use cookies or similar technologies for functionality, analytics, and security purposes. Clients may manage preferences through their browser settings.

9. Compliance with Regulations

We comply with all applicable laws and regulations, including but not limited to:

  • Gramm-Leach-Bliley Act (GLBA) – protecting consumer financial information.
  • Fair Credit Reporting Act (FCRA) – accuracy and privacy of credit reports.
  • Consumer Privacy Laws (e.g., CCPA, GDPR if applicable).

10. Updates to This Policy

We may update this Security and Privacy Policy from time to time to reflect changes in legal requirements, industry practices, or company procedures. The latest version will always be available on our website or upon request.

11. Contact Information

For questions, concerns, or to exercise your privacy rights, please contact us at:

Metro Mortgage Group LLC

4552 Perry St, Denver CO 80212

720-464-5343
admin@metromortgagegroup.com

Disclaimer

General Information Only
The information provided by Metro Mortgage Group LLC (“we,” “us,” or “our”) is for general informational purposes only and should not be considered financial, legal, or tax advice. All mortgage programs, terms, and rates are subject to change without notice.

No Guarantee of Approval
Pre-qualification, pre-approval, or rate quotes do not guarantee loan approval. Final loan approval is contingent upon verification of application information, satisfactory property appraisal, and meeting the lending institution’s underwriting requirements.

Third-Party Services
We may refer clients to third-party lenders or service providers. We do not guarantee the services or performance of these third parties and are not responsible for any actions or decisions they may take.

Regulatory Compliance
Metro Mortgage Group LLC is a licensed mortgage broker in the state of Colorado. We do not make loans or commitments; all loans are arranged with third-party providers.

Accuracy of Information
While we strive to provide accurate and up-to-date information, we make no warranties or representations as to the completeness, accuracy, or reliability of any information on this website or in any communications. Clients should verify details with their lender and seek professional advice when making financial decisions.

No Client Relationship
Your use of this website or communication with us does not create a fiduciary or client relationship unless and until a written agreement is signed.